At the end of the day the only person you are shortchanging is yourself. Rationalizing lower rates because you have lower than average personal expenses is just crazy. What happens when you have a family? Sit down and figure out what you are turning for a profit AFTER you pay yourself a fair wage, for all intents and purposes you are an employee of your business. I wish you luck dumpster diving with customers, myself I want to weed out the low payers for more lucrative opportunities.